Online Security

At Dean Bank we prioritize your online account protection. Our security feature is a user-friendly form of multi-factor authentication used to verify your identity. This security feature watches for unusual or uncharacteristic behavior regarding your Online Banking access. In the rare event that any “out of the ordinary” activity is detected, you will be asked to answer security questions to make sure that it’s really you attempting to access your accounts. Most of the time, you won’t even notice the added security is there, however, you can rest assured your online accounts are always protected. Please refer to the FAQ’s below to learn more.

What is Multi-Factor Authentication?

Multi-Factor Authentication uses more than one way of verifying your identity. Besides just using your Sign-On ID and Password to sign in to Online Banking, another form of security and verification is used for your protection.

How does Multi-Factor Authentication protect my financial information?

We value your privacy and the protection of your identity. Traditional password-only sign-on requirements provide minimal security since they are static and easy to steal, break, or crack. Multi-Factor Authentication provides added security against identity theft, phishing, spyware, and other online scams. Multi-Factor Authentication provides an enhanced method for validating the identity of a person using online products and services. By providing another way for you to verify who you are when signing on, Dean Bank gives your financial information an added layer of security. This is for your own protection.

Why is Multi-Factor Authentication required?

All banks offering Internet-based financial services, including Dean Bank, are required by Federal examiners to provide a second level of security.

Are all financial institutions using the same type of Multi-Factor Authentication?

No. Financial institutions are requiring a variety of other security measures, including selection of personal icons, ID tokens, automated phone calls, and multiple security questions.

How often will my Sign-On information change with Multi-Factor Authentication?

Your User ID remains the same every time you sign on. You will be prompted to change your Password once a year; however we suggest you take the initiative to change it every 90 days. Your Security Questions will require updating every 180 days.

How does the Bank’s online security system work?

As our customer, we know how you typically behave, such as when and from where you access online banking. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity—so that we can ensure it is you and not someone else trying to access your information. This will only happen on rare occasions. Normally you will not be asked for any information beyond your Sign-On ID and Password. For example, if someone tries to sign in with your Sign-On ID and Password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.

How do I sign up for the security system?

You do not need to sign up as all users are automatically enrolled. Expect to be prompted when first banking online to choose several security questions that only you know the answers to. This will only take you a couple of minutes to complete. Once you submit these questions and answers you will have added a layer of protection to your internet banking access! Keep in mind that we will never ask you for your account number or your social security number online.

How much will it cost?

There is absolutely no cost to you associated with our security system.

When will I be asked for more information?

After you are first prompted to set up your security information, you will be prompted to update your questions every 180 days for your security. Besides these updates, you will only be prompted to answer questions when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior.

What additional information will I be asked?

If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose. We will not ask you to answer questions that you did not select and provide answers to when initially setting up your security information.

What is unusual or uncharacteristic behavior?

Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.

How are you able to detect unusual or uncharacteristic behavior?

The security system takes into account factors such as the computers you typically use to access your account, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity appears to be really you.

Is my personal information still safe?

Yes. In fact, your personal information is as safe as ever because we are making sure it is really you and not an unauthorized user trying to access your information. That means you are being protected every moment — when you are online and more importantly when you are not.

How will this help prevent online fraud?

If your Sign-On ID and Password are stolen, the fraudster would have to be able to answer your security questions correctly. If the user is not able to provide this information, the activity would be blocked. This added layer of security helps us protect your information.

I check my account very often, wouldn't I know if something unusual showed up on my account?

It is great you check your account! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.

I share my computer with someone who has his or her own account. Can both of us still log in from this machine?

Yes, you can both use the same computer to login to your individual accounts. There is no limit on how many people can login from the same computer.

I already have anti-virus software and a personal firewall. Why do I need this?

We are glad to hear you use anti-virus software and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. Our security feature protects against other kinds of threats such as a stolen Sign-On ID and Password. It works with your other personal security programs, but it does not replace them.

Beware of Identity Thieves

Please note that there may be attempts by identity thieves to distribute false communications to obtain your personal and account information. As a rule, Dean Bank WILL NEVER send you unsecured email or other correspondence requesting that you provide us with confidential information, such as your Online Banking User ID, account number, card number, social security number, PIN or Password.

As always, if you receive any unsolicited e-mails, phone calls, faxes or other suspicious attempts to gain personal or confidential information, please call us immediately at (508) 528-0088.

Dean Bank... It's YOUR Bank

At Dean Bank we strive to provide products and services that meet all your financial needs, delivered with a level of customer service that's not commonly found today at other banks. If you'd like more information from us or you simply want to let us know if Dean Bank is exceeding your expectations, please use our Contact Us form, or speak to any of our branch staff.

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